Explore when you could reach your financial independence target. Model contributions, inflation, pension access and retirement withdrawals, then export your FIRE projection chart. Results illustrate your assumptions, not a guaranteed retirement date.
Explore when you could reach your financial independence target with a free FIRE calculator and retirement projection. Model contributions, inflation, pension access and withdrawals, and export your charts to share. No account or bank connection is required; your financial data stays on your device.
FIRE means financial independence, retire early. This calculator projects your latest net-worth snapshot using the assumptions you choose. Cash, investments, property and pensions can each have a different constant annual growth rate.
Enter planned monthly or yearly additions and debt repayments, or explicitly apply a contribution suggested from cash-flow savings. The inflation option increases additions and drawdown with the selected inflation rate, rather than modelling salary growth separately.
The calculator reports the first year the selected net-worth scope reaches your target. Property can count toward projected net worth and the target when included, but it is never a source of retirement withdrawals, and reaching the target does not establish that retirement spending is sustainable.
Drawdown uses cash, investments and any accessible pension. Review both balances and withdrawal shortfalls. These are deterministic scenarios with constant rates, not predictions: they do not model market volatility, sequence-of-returns risk, taxes or fees.